Estimate the monthly payment
Model principal, annual interest rate, term, and optional extra monthly payments in one focused calculator.
An early-payoff strategy workspace
Plan the payoff.
Compare the path.
Model the contract schedule, recurring principal boosts, a timed lump sum, or a target payoff date—then compare estimated interest and time saved.
Coming soonHow it works
Free at launchiPhone · iOS 18+By Ideas All Day Ltd
Built for the task
Estimate the monthly payment
Native iOS
The short answer
A direct definition for readers, search engines, and answer systems.
What is Loan Calculator?
Loan Calculator is an iPhone financial planning utility that estimates monthly principal-and-interest payments, total interest, total cost, and amortization from the values you enter. Its payoff workspace compares recurring principal boosts, a timed lump sum, a combined plan, and the monthly extra estimated for a target payoff date. Saved scenarios remain local.
All calculations are estimates for informational purposes, not financial advice, underwriting, approval, a rate quote, or a lending offer. Confirm actual rates, fees, taxes, insurance, and terms with the lender.
- Strategies
- 4 side by side
- Milestones
- 25% to payoff
- Account
- Not required
Inside the app
Focused tools, built around one job.
Every feature supports the same workflow, so the app feels like a system rather than a folder of disconnected AI buttons.
01
Separate principal and interest
See the estimated total principal, total interest, and overall cost behind the monthly figure.
Inspect every estimated payment
Open the amortization schedule to review principal, interest, and remaining balance over the modeled term.
Build a payoff strategy
Compare the contract schedule, monthly principal boosts, a timed lump sum, and a combined plan under the same assumptions.
Work backwards from a target
Choose a payoff window and estimate the recurring monthly extra needed to reach it.
See progress and tradeoffs
Review projected payoff dates, interest saved, months saved, balance milestones, and the declining balance path.
Compare local scenarios
Save multiple examples on the iPhone and keep alternatives such as a home, car, or renovation side by side.
Estimates, not an offer
The app does not include every fee, tax, compounding rule, lender policy, or variable-rate change.
Product tour
See the workflow.
Real screens from the current iPhone experience.
How it works
From input to useful answer.
- 01
Enter the verified assumptions
Add the current principal balance, annual rate, remaining term, and regular payment details you want to model.
- 02
Compare payoff strategies
Explore a monthly principal boost, a timed lump sum, a combined plan, or a target payoff window.
- 03
Review milestones and totals
Compare the modeled payoff date, interest saved, time saved, balance chart, and complete schedule.
- 04
Save or share the plan
Keep useful scenarios locally or share a plain-text estimate to discuss with the lender or servicer.
Who it helps
Useful in the moment you need it.
Home buyersCar shoppersRefinance plannersPersonal budgeters
Practical guide
How to pay off a loan early
Check the contract and current payoff quote, model an extra monthly principal amount, compare estimated time and interest saved, and confirm how the lender or servicer will apply the payment.
Direct answers
Frequently asked questions.
What does the monthly payment include?
The core result estimates principal and interest from the values entered. It may not include taxes, insurance, closing costs, origination fees, penalties, changing rates, or lender-specific rules.
Can I compare different early-payoff strategies?
Yes. Compare the contract schedule with a recurring monthly principal boost, a one-time principal payment, a combined plan, or a target payoff window under the same fixed-rate assumptions.
Are these numbers a lending offer?
No. Results are informational estimates, not financial advice, approval, a quote, or a lending offer. Confirm every term and fee with the actual lender.
Where are saved loans stored?
The submitted initial release keeps saved scenarios locally in the app’s private container on the iPhone. No account is required.
Preparing for the App Store
Loan Calculator is coming soon.
The release package is being prepared and the public App Store page will appear after launch.
Coming soon